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Ask the Readers: What Happens *After* You Use Your Emergency Savings? * Get Rich Slowly
A comfortable “rainy day” fund is a key component to most personal financial plans. The experts don’t agree on the exact amount to keep in an emergency fund — advice ranges from three to twelve months’ of expenses — but they do agree everyone should have one. An emergency fund is self-insurance: It’s a way to cope with the unexpected without resorting to debt or other expensive options.
But what happens after you use your emergency savings?
MicroPlace and How Micro Loans Make a Big Difference (Video) : TreeHugger
Micro loans might be a great way for people to get back into the investing game. By giving microloans, you grow your money in small amounts, but help people in big ways. We're big fans of micro financing around here, and this heartwarming clip from CBS calls out MicroPlace, and outlines how microlending works and what kind of a difference it can make for a struggling entrepreneur.
The Ways and Means of Coping with Emergencies ∞ Get Rich Slowly
Experts have been touting the importance of having an emergency fund since Moses was a lad. So why is it that so many people still don’t have enough (or any?) money set aside just in case? Reasons and rationales abound.
Op-Ed Columnist - China’s Dollar Trap - NYTimes.com
And there’s nothing to keep China from diversifying its reserves away from the dollar, indeed from holding a reserve basket matching the composition of the S.D.R.’s — nothing, that is, except for the fact that China now owns so many dollars that it can’t sell them off without driving the dollar down and triggering the very capital loss its leaders fear.
25 Useful Financial Rules of Thumb ∞ Get Rich Slowly
Lately I’ve found myself using more and more financial rules of thumb. A rule of thumb is a general guideline, an easy way to approximate a value quickly. It’s not meant to be completely accurate. On a whim this weekend, I gathered together many of the general rules I’ve been using, as well as several others I found online.
Things I Wish Iíd Been Told
The idea behind the lecture was to provide very basic information that the average computer science student needs, and that my friends and I found that we were not given by the time we had graduated from college. Some of the advice here is from my own experience, but a lot is also from the experience of friends, several of whom kindly shared advice they wished they’d gotten earlier.
The Simple Dollar » A Step-By-Step Guide to Building a Big, Healthy Emergency Fund
The first step along the way is to understand what an emergency fund actually is. An emergency fund is cash that you’ve saved up for the sole purpose of helping you maintain your normal life through the emergencies that life hands you. Most of the time, you shouldn’t touch the emergency fund at all - it just sits there earning a bit of interest and waiting until you actually need it. When you lose your job. When an appliance breaks down. When your car needs a repair.
The Simple Dollar » Should You Use a Credit Card As Your Emergency Fund?
Here’s the problem, though: the purpose of an emergency fund is to reduce your personal risk. However, using a credit card for that purpose actually adds significant risk to the emergency fund situation.
The 20 Healthiest Foods for Under $1
Food prices are climbing, and some might be looking to fast foods and packaged foods for their cheap bites. But low cost doesn’t have to mean low quality. In fact, some of the most inexpensive things you can buy are the best things for you. At the grocery store, getting the most nutrition for the least amount of money means hanging out on the peripheries—near the fruits and veggies, the meat and dairy, and the bulk grains—while avoiding the expensive packaged interior. By doing so, not only will your kitchen be stocked with excellent foods, your wallet won’t be empty.
Chris Martenson | - The Crash Course -
The Crash Course seeks to provide you with a baseline understanding of the economy so that you can better appreciate the risks that we all face. The Intro below is separated from the rest of the sections because you'll only need to see it once...it tells you about how the Crash Course came to be.
7 Tips for Starting Your Own Vegetable Garden ∞ Get Rich Slowly
For every dollar we spent on the garden, we harvested $1.91 worth of food. We hope to improve on that significantly in 2009. Last week Kris wrote about the winners and losers from our garden last year. Today I’m sharing seven lessons we’ve learned after many years of gardening.
9 Methods for Mastering Your Money in 2009 ∞ Get Rich Slowly
If one of your goals for 2009 is to take control of your money (instead of letting it keep control of you), this crash course in financial basics can help guide the way. Here are nine simple but effective actions you can take to build a better financial future.
The Simple Dollar » Everything You Ever Really Needed to Know About Personal Finance on the Back of Five Business Cards
During the lunch, out of the blue, he asked me to give a five minute nutshell version of what I would present to the group. I thought for a minute, pulled a pen out of my pocket, and asked him for five business cards. In those next five minutes, I summarized everything I know about personal finance in a pocket-friendly presentation.
10 Unconventional Money-Saving Tips ∞ Get Rich Slowly
While browsing at Passion Saving the other day, I discovered an article featuring ten unconventional money-saving tips. Each of these offers a new way to see money. Here are author Rob Bennett’s ten tips along with my comments.
What Does it Mean to Be Rich? ∞ Get Rich Slowly
Ostensibly, the aim of this blog is to get rich slowly. My goal is to build wealth. But what is wealth? What does it mean to be rich? If becoming rich is a goal, what does that mean to me, and to the people around me? Is it all about money? Or is there something more to the equation, some sort of social capital?
The right blames the credit crisis on poor minority homeowners. This is not merely offensive, but entirely wrong. - By Daniel Gross - Slate Magazine
The right blames the credit crisis on poor minority homeowners. This is not merely offensive, but entirely wrong.
The Psychology of Happiness: 13 Steps to a Better Life ∞ Get Rich Slowly
We think we know what will make us happy, but we don’t. Many of us believe that money will make us happy, but it won’t. Except for the very poor, money cannot buy happiness. Instead of dreaming of vast wealth, we should dream of close friends and healthy
You don't need satellite TV when times get tough | Wireless - CNET News
After a few Google searches, James said she found a wealth of legitimate sources for TV programming online. Sites such as Hulu, Fancast, Joost, YouTube, and most major TV networks' Web sites offer TV shows and other video content for free. Using an existing rooftop antenna, James plugged her TV into the hook-up to get more than 50 high-definition TV channels over-the-air. The cost for these HD channels: zero.
How to Afford Anything (But Not Everything) ∞ Get Rich Slowly
In his essay, Rockwell provides real-life examples of how he’s made choices to save money so that he can afford anything he wants (especially cameras). Some of his anecdotes are funny. Some are inspiring. They’re all great examples of how to get rich slowly. Here are a few of his tips:
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Our ability to buy expensive toys has nothing to do with how much money we do or don’t earn. Like everything in life, it has everything to do with how well you use what you have.
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Sometimes the most expensive choice actually costs less in the long run. Cheap means focusing on price above all else; frugality means seeking value for your dollar.
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